Producer and Adjuster
License Application Information

Licensing applications for all resident and nonresident producers and adjusters are now submitted electronically through the National Insurance Producer Registry (NIPR). All fees will be collected at the time of submission of the application.

PSI provides examination and fingerprinting services for Louisiana license applicants. Details about the examination process can be found on their website at www.candidate.psiexams.com.

New Change Affecting Producers and Claims Adjusters: Applicants for producers and claims adjusters will no longer need to submit a license application prior to scheduling a license examination to obtain testing authorization. Instead, with the exception of applicants for bail bond producer qualifications and public adjusters, producer and claims adjuster applicants will be able to schedule their license examination after completing any required prelicense education requirements and submit an application for a license after the examination is passed. Please review the Application Requirements below for the new procedures.

Legislation Affecting Producers

A number of changes affecting licensing were enacted during 2017 Regular Session of the Louisiana Legislature. To view a PowerPoint presentation of the changes with examples of how it will affect you, please click here.

Note: LDI will receive test scores from PSI within 1 to 2 days. Results from fingerprinting are generally received within seven to ten days.

Resident surplus lines applicants must currently be licensed for property & casualty and must have held the property and casualty license for at least two years or have two years of professional experience as an employee with a property and casualty insurer.

Individuals who have moved to Louisiana and are transferring a resident license held in the prior state of residence qualify for an exemption from pre license and exam requirements. This exemption is available only if the person is currently licensed in that state or if the application is received within ninety days of the cancellation of the applicant's previous license.

After filing your online application, contact LDI at producerlicensing@ldi.la.gov to request this exemption. Be sure to include the NIPR application transaction number in your correspondence. A letter of clearance may be requested if evidence of licensure cannot be located on the national licensing database.

All resident and nonresident business entity applicants can submit their license application through NIPR. Business entity applicants must have at least one designated responsible individual who is already licensed at the time of application for the line(s) of authority the entity will be applying for. The designated individual is responsible for the business entity's compliance with the insurance laws, rules, and regulations of this state.

Producer entities should also be aware of the affiliation requirements pursuant to 22:1546 B.

Act 312 of the 2016 Legislative Session requires the licensure of insurance consultants effective August 1, 2016. A consultant is defined as any person or entity which offers for a fee or other valuable consideration any advice, counsel, opinion, or related services to risk evaluation or management, the benefits, coverages, exclusions, or provisions under an insurance policy, or involving the advantages or disadvantages of an insurance policy, or any formal plan of managing risk.

Dual Licensing
Consultant licenses will be issued to both individuals and entities for the lines of Life, Health and Accident, Property, Casualty and/or Variable Contracts. A person can be licensed as both a producer and a consultant; however, a consultant who is also licensed as a producer may not sell, solicit or negotiate contracts of insurance and may not receive directly or indirectly any compensation for the sale of insurance coverages which were the subject of a consulting contract during the term of the consulting contract.

Qualifications
Individual resident applicants must complete prelicense education and pass a license examination. Resident individuals must also comply with fingerprinting requirements. Individuals who are already actively licensed as producers for the same line of business will be exempt from prelicense and exam requirements. Consultants must also comply with the same continuing education requirements that apply to producers.

Nonresident applicants must hold an equivalent license in their home state.

Contract Required
A person licensed as a consultant must enter into a written contract with a client prior to providing consulting services. The contract must contain the following disclosures:

The services to be provided to the insured and prospective insureds.

The beginning and ending date of the agreement.

Any insurance to which the contract for consulting services applies.

Arrangements for compensation, whether by flat rate, hourly rate or other valuable consideration.

If the consultant is dually licensed as an insurance producer.

If the consultant has any interest or affiliation with any insurance producer, broker or insurer involved within the scope of the consulting work.

The contract does not need to be submitted for approval prior use; however, it must be provided to the Department within 10 days upon written request.

License Exemptions
The definition of "insurance consultant" does not include:

Public adjusters, appraisers, contractors, or engineers engaged in the settlement of insurance claims, who do not have a direct or indirect financial interest in any aspect of the claim, other than the compensation established in the written contract with the insured.

A licensed insurance producer who offers advice or consulting with respect to any of the following, regardless of whether the insurance producer is compensated by commission or agency fees for such advice, consulting, or services: